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Oh my gosh, I am STILL mad, two years later!
Two years and two months ago, a water pipe broke in my house. What a disaster!
Pretty much my whole house was flooded with water. All the carpets were ruined, a bunch of books that were in boxes in my dining area, a bunch of personal property, all destroyed.
You see, I'd just about finished a remodeling project and so a lot of my stuff was in boxes, out of the way.
All ruined.
So the insurance paid off on them, paid for repairs, paid for the restoration company to dry out the house, and so on. It wasn't cheap.
And then, a month afterward, I got THE NOTICE! Yep, a non-renewal. I had the unmitigated GALL to put in a claim on the insurance that I'd been paying for. How DARE I do such a thing?
Well, do you know what a pain it is to get another insurance company? Let me tell you, just get a broker to find insurance for you, it'll be so much easier on you.
But wait! There's more to the story!
Two years later (about three months ago), about a mile away there was a big shooting. Now look people, I live in a nice little blue collar neighborhood. This was a neighbor fight that apparently had been going on for YEARS. Seven people shot, one died (the one who started it, oh the karma!).
So, a couple of weeks later, guess what comes in my mail?
Yes, a non-renewal notice.
Oh, yeah, they had an excuse, but we all know it was a bunch of bull-droppings, they'd redlined the neighborhood.
I have another insurance company now. Costs me $300 more a year, so I'm not really happy about it, but I have to have insurance on the property.
Can we say RIP-OFF?
Yes, as far as I'm concerned, insurance is just legalized gambling. They're betting they'll collect your money forever and never have to pay you a nickel, and you're betting that something just might happen and you'll need to put in a claim.
The bad news is, no matter what you do -- you lose.
Insurance companies are rip-off artists.
Don't believe me? Put in a claim...